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Are Drug and Alcohol Rehab Costs Covered by Core Source Insurance?
As a Third-Party Administrator (TPA), Core Source Insurance is one of the most well-known and respected self-funded employee benefit programs.
Currently serving over 900 clients, Core Source prides itself on managing health insurance benefits for employees who are self-insured through their employers Employee Assist Programs (EAP) or employer’s company health insurance programs, which may include Health Reimbursement Accounts, (HRA) and Health and Savings Account (HAS).
Aside from flexible spending accounts, it also offers pharmacy benefits and COBRA administration to those employees who fall into COBRA assist programs.
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More About Core Source Insurance & Rehab Coverage
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With the recent implementation of the Parity Act, third-party administrators like Core Source Insurance successfully expanded their services to include employee self-funded group health insurance coverage for alcohol and drug rehabilitation. As a Federal law, the Parity Act sheds light on the employer benefits of self-funded employee programs, with emphasis placed on mandatory health insurance guidelines for large company employers. A simple check with the Human Resource (HR) will confirm the Core Source Insurance coverage for rehabilitation costs for an employee seeking these services.
Employers who currently do not invest in employee alcohol and drug rehabilitation programs are rethinking their commitments to employee health and well-being. Most employers are happy to have Core Source Insurance as a third-party administrator to provide coverage for treatment of addiction, as they would for any other medical health insurance plans they offer to their employees. Employers have found that these benefits are no more restrictive than insured coverage under typical employee standard medical healthcare insurance.
In addition to handling claims and providing exceptional nationwide networks, Core Source Insurance also handles inpatient and outpatient participating providers and non-providers. Under their Alcoholism and Chemical Dependency, typical inpatient coverage has a limited forty-five days per calendar year for both participating and non participating providers combined. Up to thirty-five sessions per a calendar year for both participating and non-participating providers are allowed under most plans. As with any employer offered health insurance plan, the employee is required to pay the deductible of 80%. After the deductible is paid, all reasonable and customary charges are covered by the plan.
Core Source Insurance offers a summary of the Patient Protection and Affordable Care Act (PPACA) with all of their plans, which includes invaluable information of what their third-party administrator services covers. Core Source Insurance is also dedicated to any and all of the Health Insurance Portability and Accountability Act (HIPAA) for insuring employee privacy in all matters of their drug and alcohol rehabilitation programs.
Have Any Questions?
If there are any question regarding Core Source health coverage and drug/alcohol rehabilitation, contact the insurance company to get accurate and timely information. Their team of customer care representative will be glad to discuss the policy to help make the decisions easier. Keep in mind that entering a facility within the Core Source network will be far less costly than one that is out-of-network.
In order for someone addicted to alcohol or drugs to overcome, there must be the proper support system in place. Rehabilitation centers along with Core Source gives each person a fighting chance at survival.
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